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Reward Black credit card

A travel companion with extra rewards packed in

Representative 37.1% APR (variable)

No foreign transaction fees

You won't pay foreign transaction fees when you use this credit card abroad

Use worldwide at Mastercard® locations

Rewards when you spend

You'll get 1% back at supermarkets and 0.5% at their petrol stations

Earn 1-15% back at selected retailers

And 0.5% back everywhere else

And lots more packed in

A credit limit of at least £5000

Manage your card wherever, whenever with the NatWest mobile app (Criteria applies)

As a Reward Black customer, your calls will be prioritised. So whatever you need, we’re here to help, 24 hours a day.

Check your eligibility

Use our eligibility checker to find out if you'll be accepted for this credit card before you apply. It won't impact your credit rating and it takes just 2 minutes.

Representative example

Purchase rate

18.9%
p.a (variable)

Representative APR

37.1%
(variable)

Assumed credit limit

£1200

Annual fee

£84
or £0 if you have a Reward Black current account

Managing your credit card

Rewards

How do Rewards work?

Whenever you pay using your Reward Black credit card, you’ll earn points called Rewards. Unlike some other credit card schemes, we don't cap the amount of points you can earn.

Where can I earn Rewards?

You'll earn 1% in Rewards in supermarkets and 0.5% everywhere else. You'll also be given personalised monthly spend offers from some of our partner retailers.

How can I spend my Rewards?

It's easy. Once your balance has grown to at least £5, we'll give you a choice of what do with them. You can bank them, trade them or donate them to one of our chosen charities.

About the annual fee and annual fee refund

We'll refund the annual fee for your Reward Black credit card if you also have a Reward Black current account.

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Other charges or fees

Some other important details you should be aware of.

Card Features

Spread the cost of your purchase

Need to make a big purchase and don’t want the money to come out of your current account? A credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are plenty convenient ways to pay using the Reward Black credit card.

Add an additional cardholder

Give a loved one access to your credit card account by adding an additional cardholder.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Check your credit score

Replace your credit card

Set your travel plans

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get ready to apply

First, let's check your eligibility

Use our free eligibility checker before you apply to see if you’re likely to be accepted. It takes just 2 minutes and there’s no impact on your credit score.

If you've already checked, you're good to move on to the legal documents below.

Now please take a look at the important legal info

By selecting 'continue' below, you are confirming that you have been provided with, and are happy with what's in these documents. Please take some time to review, print and/or save the important information.

All okay? Let's get started.

Do you have NatWest Online Banking?
You'll need to have Online Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. You could save time by applying through our mobile app if you're already set up.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you set up

You'll need to sign up for Online Banking with us to apply for the Reward Black credit card online. The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below.

What you'll need

  • Your sort code and account number
  • Your NatWest debit card, if you have one

When you've got your new online banking details, select 'Next' below to continue applying for this credit card.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you sorted

You’ll need your customer number, online banking PIN and password to apply online. Pick from one of the options below and we'll help you on your way.

When you've got your new online banking details, select 'Next' below to continue applying for this credit card.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Something else we can help you with?